Carrollton, TX · Charter 21788
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
70
Profitability
46
Liquidity
87
Efficiency
30
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Carrollton, TX · Charter 21788
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.58% | 0.73% | 0.21% | 0.40% | -6 bps | |
| Return on Equity | 4.37% | 5.55% | 6.87% | 1.93% | 3.92% | -45 bps | |
| Net Interest Margin | 4.31% | 4.34% | 4.29% | 4.42% | 4.12% | -20 bps | |
| Efficiency Ratio | 90.48% | 88.36% | 85.81% | 91.41% | 89.23% | -125 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.82% | 8.78% | 9.64% | -0.10% | 11.68% | +87 bps | |
| Loan Growth (YoY) | -8.09% | -1.93% | 2.55% | 0.44% | 2.44% | +1,052 bps | |
| Share Growth (YoY) | 6.57% | 4.21% | 9.27% | -0.93% | 11.60% | +502 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.30% | 0.23% | 1.11% | 0.41% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.56% | 10.51% | 10.58% | 10.88% | 10.13% | -43 bps | |
| Net Worth / Assets | 10.56% | 10.51% | 10.58% | 10.88% | 10.13% | -43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.94% | 61.78% | 60.30% | 60.97% | 57.77% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Carrollton, TX · Charter 21788 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.40%
Rank 37 of 60
Net Interest Margin
4.12%
Rank 27 of 60
Efficiency Ratio
89.27%
Rank 43 of 60
Equity / Assets
10.13%
Rank 50 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.02% | 0.62% | 0.99% | Beats 38% | 37 / 60 | |
| Return on Equity | 3.92% | 0.12% | 4.17% | 8.32% | Beats 45% | 33 / 60 | |
| Net Interest Margin | 4.12% | 3.36% | 3.95% | 4.45% | Beats 55% | 27 / 60 | |
| Efficiency Ratio | 89.27% | 70.09% | 78.52% | 92.77% | Beats 30% | 43 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.25% | 0.82% | 1.91% | Beats 70% | 19 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.13% | 11.15% | 14.35% | 19.86% | Beats 17% | 50 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.13% | 11.15% | 14.35% | 19.86% | Beats 17% | 50 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.77% | 51.31% | 60.45% | 81.20% | 43rd pctl | 34 / 60 | |
| Loans / Assets | 51.44% | 41.11% | 52.43% | 68.66% | 47th pctl | 32 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||